Get Pre-Qualified Today

The Home Loan Process

Finding the right loan is an essential first step in the home buying process. Everything from your credit and income to your down payment can affect your ability to qualify for a loan.

TheMLSonline.com recommends several mortgage lenders with a long history of providing quality lending services. An experienced loan officer will discuss the different types of loans available, determine the maximum amount you can borrow, and calculate a monthly payment that fits your budget.

Get to know our Home Mortgage Professionals

Mona

Edick

Bay Equity

Jeff

Zajac

TruStone

Richard

Smyth

TruStone

Mona Edick

Senior Loan Officer

Bay Equity Home Loans NMLS#452504

Mona Edick, Senior Loan Officer with Bay Equity Home Loans, offers a wide array of mortgage choices, competitive rates and flexible terms and conditions so you can find the mortgage solution that best fits your needs. During her 15 years of experience in the mortgage industry, she has shared her expertise to personally assist hundreds of families with responsible and affordable home financing.

763-614-8732

Jeff Zajac

Area Sales Manager

TruStone Home Mortgage NMLS#373627

Jeff Zajac joined the Mortgage Lending Services team in 2014. With more than 10 years experience in the mortgage industry, Jeff is an expert in VA, FHA, conventional and construction loans. Jeff was one of the top five producers in the state of Minnesota in 2013. Jeff holds a bachelor's degree in economics and business administration from Augsburg College and participates in the Real Estate Investment Professionals business networking group. In his free time, Jeff spends his days as a youth hockey referee and coach.

763-270-4336

Richard Smyth

Area Sales Manager

TruStone Home Mortgage NMLS#422593

Richard Smyth joined TruStone Home Mortgage as a Mortgage Consultant in 2015. With nearly 10 years of experience in the mortgage industry, he has the skills to guide borrowers through the home buying process with ease. With a bachelor's degree in finance from the National University of Ireland Maynooth and a background as a financial advisor, Richard knows the ins-and-outs of financing and will help you get from contract to close. Away from work, Richard spends his time playing music, enjoying the outdoors and spending time with his family.

763-270-4334

Residential Loan Pre-Qualification Form

To get started on your loan pre-qualification, please complete the form below. A loan officer will need to
gather additional information in order to determine your eligibility for a loan.

First Name

Address

State

Email

Estimated price range of loan

to

Last name

City

Zip

Phone

Name of my real estate agent

I would like to get pre-qualified: Immediately < 30 days Not sure

I am interested in buying: New construction Existing home Other

I plan to use my new home as: Primary residence Investment Other

I want to finance using: FHA Conventional VA Not sure

Loan term: 30 yrs 15 yrs 10 yrs Not sure

I am interested in down payment assistance: Yes No

Down payment amount: 3% 5% 10% 20% Not sure

I am married: Yes No

I am currently renting: Yes No

My credit score: < 600 600-650 650-700 700+ Help me find out

Comments/Questions:

By submitting this form, you agree that {{ name }} will receive your information and contact you to
discuss your eligibility and financing needs. For licensing and equal housing information,
click here.

Mortgage Rates

Based on national averages. Updated

Loan

Rate*

Change

APR

30 yr fixed

4.625%

-0.125%

4.706%

30 yr FHA

4.500%

0%

4.808%

15 yr fixed

4.250%

0%

4.352%

*Rates are only estimates and not guaranteed.

Mortgage Calculator*

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